Zero Percent Credit Cards

A zero percent introductory interest rate credit card is useful for consolidating your existing credit card debt onto one card, buying yourself some time to pay down your debt interest-free. In addition to looking at the length of the introductory period, you should also take a look at the ongoing APR just in case you can't pay off your transferred debt in time. Also, beware of balance transfer fees, which can range from 2% to 5% of the transfer amount. Use the filters below to find the best credit card (some of which are from our partners) for you. Check out NerdWallet's picks for the best 0% interest credit cards to save money on interest payments!

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Showing 1 - 10 of 59  Results
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Credit Card Annual Fee Introductory APRs Ongoing APRs *True Interest Cost dollarsign
Chase Slate Elite Credit Card

Chase Slate®

starstarstarstarhalfstar
Show Details
$0 0% Intro APR on purchases and balance transfers for 15 months
12.99%, 17.99%, or 22.99% (V)
6.75%
question

Apply Now

on Chase's
secure website

thumbsupPros
  • No annual fee
  • 0% on purchases and balance transfers for 15 months
thumbsdownCons
  • No rewards
NerdScore, Interest Over 2 Years
Intro purchase APR, first 15 months0.00%
Ongoing APR after 15 months12.99%-22.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
6.75%
Account Details

  • Best 0% Offer in "Crowning 2013's Best Credit Card Offers" (January 14, 2013) -Forbes Online
  • Pay less interest. Save on balances and new purchases
  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $0 Annual Fee

See complete Chase Slate® details

Union Bank Platinum Edition Visa Card Credit Card

Union Bank Platinum Edition Visa Card

starstarstarhalfstar
Show Details
$0 Purchase:
0% for 12 mos
Balance Transfer:
0% for 12 mos
Min APR:
9.99%
Max APR:
17.99%
Penalty APR:
29.99%
Cash Adv:
25.24%
7.50%
question

Apply Now

on Union Bank's
secure website

thumbsupPros
  • No annual fee
  • 0% for 12 mos on transfers
thumbsdownCons
  • No rewards
NerdScore, Interest Over 2 Years
Intro purchase APR, first 12 months0.00%
Ongoing APR after 12 months14.99%
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
7.50%
Account Details

  • No rewards offered

See complete Union Bank Platinum Edition Visa Card details

Bremer Bank Platinum Credit Card

Bremer Bank Platinum

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Show Details
$0 Purchase:
0% for 12 mos
Balance Transfer:
0% for 12 mos
Min APR:
9.99%
Max APR:
20.99%
Cash Adv:
23.99%
7.75%
question

Apply Now

on Bremer Bank's
secure website

thumbsupPros
  • No annual fee
  • 0% for 12 mos on transfers
thumbsdownCons
  • No rewards
NerdScore, Interest Over 2 Years
Intro purchase APR, first 12 months0.00%
Ongoing APR after 12 months15.49%
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
7.75%
Account Details

  • No rewards offered

See complete Bremer Bank Platinum details

Bank of America BankAmericard® Visa® Credit Card

BankAmericard® Visa® Card

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Show Details
$0 0%* on purchases for 15 billing cycles* and 0%* on balance transfers for 15 billing cycles for qualifying balance transfers*
10.99% - 20.99% Variable* on purchases & balance transfers
7.87%
question

Apply Now

on Bank of America's
secure website

NerdScore, Interest Over 24 Billing Cycles
Intro purchase APR, first 15 billing cycles0.00%
Ongoing APR after 15 billing cycles10.99% - 20.99% Variable on purchases and balance transfers
True Interest Cost, 24 billing cycles effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
7.87%
Account Details

  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Our $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Chip technology for enhanced security at chip-enabled merchant terminals

See complete BankAmericard® Visa® Card details

Chase Freedom - $100 Cash Back Credit Card

Chase Freedom®

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Show Details
$0 0% APR for 15 months on purchases and balance transfers
13.99% - 22.99% (Variable)
8.62%
question

Apply Now

on Chase's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases and balance transfers for 15 months
NerdScore, Interest Over 2 Years
Intro purchase APR, first 15 months0.00%
Ongoing APR after 15 months13.99%-22.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
8.62%
Account Details

  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between October 1 — December 31, 2014 at Amazon.com, Zappos.com and select department stores
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire

See complete Chase Freedom® details

First National Omaha Platinum Edition Visa Card Credit Card

First National Omaha Platinum Edition Visa Card

starstarstar
Show Details
$0 Purchase:
0% for 12 mos
Balance Transfer:
0% for 12 mos
Min APR:
9.99%
Max APR:
17.99%
Penalty APR:
29.99%
Cash Adv:
25.24%
9.00%
question

Apply Now

on First National Omaha's
secure website

thumbsupPros
  • No annual fee
  • 0% for 12 mos on transfers
thumbsdownCons
  • No rewards
NerdScore, Interest Over 2 Years
Intro purchase APR, first 12 months0.00%
Ongoing APR after 12 months17.99%
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
9.00%
Account Details

  • Every purchase results in a funding contribution to the NRA

See complete First National Omaha Platinum Edition Visa Card details

Hancock Bank Visa Classic Credit Card

Hancock Bank Visa Classic

starstarstar
Show Details
$0 Purchase:
0% for 7 mos
Balance Transfer:
1.9% for 12 mos
APR:
12.99%
Cash Adv:
18.00%
9.20%
question

Apply Now

on Hancock Bank's
secure website

thumbsupPros
  • No annual fee
  • 1.9% for 12 mos on transfers
NerdScore, Interest Over 2 Years
Intro purchase APR, first 7 months0.00%
Ongoing APR after 7 months12.99%
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
9.20%
Account Details

  • 1 point per $1 spent on purchases

See complete Hancock Bank Visa Classic details

Discover It Credit Card

Discover it®

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Show Details
$0 0% intro APR on purchases and balance transfers for 14 months.
10.99% - 22.99% Variable*
9.58%
question

Apply Now

on Discover's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases and balance transfers for 14 months
  • No foreign transaction fee
NerdScore, Interest Over 2 Years
Intro purchase APR, first 14 months0.00%
Ongoing APR after 14 months10.99%-22.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
9.58%
Account Details

  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

See complete Discover it® details

BBVA Compass Visa Signature Credit Card

BBVA Compass Visa Signature

starstarstarhalfstar
Show Details
$0 Purchase:
0% for 6 mos
Balance Transfer:
0% for 12 mos
Min APR:
9.24%
Max APR:
13.24%
Cash Adv:
22.24%
9.93%
question

Apply Now

on BBVA Compass's
secure website

thumbsupPros
  • No annual fee
  • 0% for 12 mos on transfers
NerdScore, Interest Over 2 Years
Intro purchase APR, first 6 months0.00%
Ongoing APR after 6 months13.24%
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
9.93%
Account Details

  • 1 point per $1 spent on purchases

See complete BBVA Compass Visa Signature details

Capital One VentureOne Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

starstarstarstarhalfstar
Show Details
$0 0% on purchases until September 2015
11.9% - 19.9% (V)
9.95%
question

Apply Now

on Capital One's
secure website

thumbsupPros
  • High rewards rate
  • No annual fee
  • No foreign transaction fee
NerdScore, Interest Over 2 Years
Intro purchase APR0.00%
Regular APR11.9%(V)-19.9%(V) Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
9.95%
Account Details

  • Earn unlimited 1.25 miles on every purchase, every day
  • No annual fee
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases
  • Travel when you want—no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • 100% free Capital One® Credit Tracker—see your monthly credit score anytime and get automatic alerts

See complete Capital One® VentureOne® Rewards Credit Card details

* "Annual Rewards" and "True Interest Cost" are NerdWallet estimates and not credit card providers numbers.
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.
  1. [2013-07-05 00:54:12] - elizabeth sevilla says: more credit unions for balance transfer of 18 months low interest and low balance transfer fees
  2. [2013-07-02 18:31:59] - NerdWallet says: Your best bet is probably the Citi Simplicity, as it currently offers 0% interest on purchases for a full 18 months. That's one of the best offers in the business.
  3. [2013-01-08 16:48:11] - debtfree says: whats the best credit card if I don't want to pay interest on new purchases?
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